Are you struggling to pay your bills? Are you sick of dodging calls from collection agencies? Are you feeling completely exhausted and defeated by your finances? If you’re unable to make your debt payments and you're at the point where…
In the midst of the pandemic, as people around the world suffer through economic distress, the Canadian real estate housing market continues to boom. So much so, in fact, that this February 2021, the price of detached homes in Toronto…
If you are overwhelmed with credit card debt, you may have considered a home equity line of credit (HELOC). Financial experts view home equity as an untapped resource. As a homeowner, when you have more bills than you can handle,…
Bankruptcy is not the only option when your business is in financial trouble. A Division 1 Proposal can help you avoid Bankruptcy and get your business back on track. You’re certainly not ready to walk away. But it’s becoming clear…
If you’re behind on your mortgage payments, you may be wondering whether filing Bankruptcy can help save your home. Foreclosure is an undesirable outcome for both you and the lender. What can you do? Can Bankruptcy hurt you or help…
Trouble with your income & expenses? Are you having trouble keeping track of your income and expenses each month? Are you constantly overspending and taking on more debt? Have you considered using a budget? The “B” word (budget) can conjure…
Can Ontario’s bankruptcy exemptions protect your most valuable assets? Indeed, they can. One of the most pervasive myths about bankruptcy is that you cannot file when you have assets you’d like to keep. This is simply not true. The purpose…
Did you know that an Ontario bankruptcy is not your only option when you have too much debt? It’s true...you actually have three main options. And...did you know that the only person to help you with all three options is…
If you’re experiencing financial difficulties, you may wish that, with just a snap of the fingers, you could eliminate your debt. The truth is, while debt is easy to accumulate, it’s harder to get rid of. There is, however, a…
The Bankruptcy Assistance Program The Bankruptcy Assistance Program (BAP) is designed to help make bankruptcy affordable for debtors who cannot afford the fees of a Licensed Insolvency Trustee (LIT). It permits people who do not have the funds to cover…
